Manager Onboarding KYC

Job Description

-    Possess a good understanding of Account Opening standards and AML/KYC guidelines.
-    Ensure the completeness and accuracy of customer data/documents, aligned with policy adherence before onboarding.
-    Ensure adherence to the onboarding process on the bank’s system, maintaining data accuracy and confidentiality of PII data.
-    Provide guidance in developing and maintaining procedures for product/process implementation related to customer onboarding and lifecycle management.
-    Be part of business decisions and work closely with Product and Digital Squads to ensure accurate requirement sharing for delivering the right customer experience and driving straight-through processing.
-    Work closely with business partners and technology teams to meet customer experience goals and drive the digital agenda.

Responsibilities

-    Complete understanding of policies and procedures for retail customer onboarding.
-    Review account opening information and documents to ensure compliance with guidelines and standards.
-    Ensure customer documents are complete & verified and perform appropriate data verification for both STP and non-STP cases.
-    Perform system-related and negative checks accurately.
-    Monitor and reduce re-work cases and provide feedback to enhance the digital journey.
-    Drive a positive culture with continuous training on account opening and AML processes.
-    Maintain high-quality delivery standards to achieve satisfactory audit ratings and customer satisfaction.
-    Educate and guide the team on due diligence for account reviews.
-    Manage customer request queues and ensure adherence to SLA/TAT.
-    Complete second level and Day-2 checks for exception handling cases.
-    Monitor and analyze daily volume to ensure effective floor management and customer experience.
-    Regularly review and update standard operating procedures.
-    Regularly review payables accounts to ensure reconciliation.
-    Adhere to change management guidelines and support UAT for system upgrades.
-    Coordinate with various teams to resolve gaps and deficiencies in account opening processes.
-    Conduct daily huddles, manage team productivity, and engage in staff development activities.
-    Ensure transactions are processed as per SLA with minimal errors.
-    Work towards process innovation and automation to drive STP.

Qualifications

-    Comprehensive knowledge of general banking, with a preference for experience in customer onboarding procedures and local UAE compliance policy.
-    Adequate working experience with online banking channels and digital products related to account management.
-    Familiarity with core banking systems (preferably Flex Cube), workflows, robotic process automation, and digital journeys.
-    A minimum of 8-12 years of experience in the account opening domain, AML, and other retail banking areas.
-    Strong written and verbal communication skills, along with good analytical thinking and interpersonal skills.
-    Proficiency in MS Office tools, presentation skills, analytical abilities, and experience with MIS reporting and analysis.
-    Ability to work under stringent timelines with excellent time management skills.
-    Effective decision-making power and the ability to handle conflicts.